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The 30-year fixed mortgage is not the only or best choice for everyone. We strive to offer a wide range of mortgage solutions for our clients. What type of mortgage is best for me There are many different mortgages to choose from. Here are a few things to consider before choosing which mortgage is right for you. consolidation debt lead loan

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These questions will help you decide what type of mortgage is best for you. Fixed Mortgages consolidation debt jersey loan

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Terms and definitions ARM or Adjustable Rate Mortgage - This mortgage loan does not have a fixed rate at some point during its life time. They are based on an index and adjust to that index at periodic intervals. Amortization - A regular and gradual repayment of a debt through installments that cover principle and interest. Balloon Loan - At the end of the loan the remaining principle is due. Most of these loans have level payments until that date comes. business consolidation debt

Buy Down

- A temporary reduction of an interest rate and monthly payments for a fee./p Down Payment - An amount paid by the borrower that is the difference between the purchase price and the mortgage amount. Earnest Money - A deposit given to the seller from the potential buyer at the signing of the sales agreement. This is to show that the buyer is serious about buying the property. If the sale goes through the amount paid is applied to the down payment. If the sale does not go through unless the purchase contract provides it the potential buyer will not get the deposit back. calculator consolidation debt

Equity

- The market value of the property minus the unpaid mortgage and any other liens or debts on the property. Escrow Payment - In some states it s called impounds. A portion of the borrower s payments are held in trust by the Lender to pay for mortgage insurance, hazard insurance, taxes, lease payments and or any other items that are due. FNMA or Fannie Mae - A private company that is one of the major secondary market investors that purchase loans from depository institutions and mortgage companies. consolidation debt interest

FHLMC or Freddie Mac

- Also know as Federal Home Loan Mortgage Corporation is a government sponsored agency. They also purchase loans from depository institutions and mortgage companies on the secondary market. consolidation debt finance

FHA or Federal Housing Administration

- This federal agency insures first mortgages enabling lenders to loan higher percentages of sales prices. FHA loans generally cover 95% to 97% of the purchase price. california consolidation debt

First Mortgage

- A mortgage that holds first priority over any claims made on the property. Foreclosure - A proceeding done in or out of court that will allow the sale of a property to satisfy a lien on it. This is done by removing all rights, title and interest of any owners on the property. Hazard Insurance - Insurance purchased for wind storms, fire, and similar risks on a property. canada consolidation debt loan

HOA or Homeowners Association

- A group of home owners in a specific area that have gathered to improve or maintain the quality of the same area. Investment Property - A property that is not occupied by the owner (s) and is used for an income buy rent or is held in anticipation of income from the sale of it. Judgment - A debt or obligation arising from a judicial decision can be placed as a lien on a property. consolidation debt florida

Lien

- An encumbrance for the payment of debt on a property. LTV or Loan To Value - The percentage of the loan on the property in relation to the appraisal value. CLTV or Combined Loan To Value - The ratio of all mortgage loans on a property to the appraisal value. MI, PMI, or Mortgage Insurance - An Insurance policy paid for by the borrower to insure the lender against default of a mortgage. It is required by most lenders until 20% of the property is paid for. consolidation debt free loan

PITI

- An abbreviation for Principle, Interest, Taxes and Insurance. Can be paid in one payment for a mortgage. Prepayment Penalty - A fee charge for paying off a mortgage earlier than a specified date. Adding one of these can lower the interest rate of a loan. Primary Residence - Permanent residency, the majority of your residency is spent here. Second Home - Non-permanent residency, home is not rented but is occupied by the owners occasionally, also known as a vacation home. consolidation debt high loan

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We can help you find the choice that s right for you. Fixed Mortgages This is the loan everyone has heard about. Our Parents and our Grandparents had these types of loans. In a nut shell this loan is set for a period of time, (15, 30, 40, and sometimes up to 50 years!) and the interest rate does not change for the life of the loan. Most every Bank Credit Union and Lender in the world has at least one of these programs to offer. Why Because fixed loans are the bread and butter of the industry. This is where most of the money is made. consolidation debt loan rate

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Adjustable Rate Mortgages Most of us have heard of ARM or, Adjustable Rate Mortgages, as well. They are generally called adjustable or variable loans. This type of mortgage and has received a bad reputation, because they are often not understood when they are purchased. If you are a Rate Chaser this may be a better option for you. You can save a little more money with this type of loan when compared to a fixed mortgage. colorado consolidation debt

An adjustable rate mortgage is any mortgage that the rate changes at some point during the loan. These loans are also found in 15, 30 and sometimes 40 year loans. The majority of these loans have a fixed period during the loan; this usually ranges from the first 1 to 15 years. After this period they begin to adjust with the market. (The majority is 1, 5, 7, 10, and 15 years fixed but there are plenty of different types out there!!) The other portion of this mix is how often and to what index these loans follow. They can adjust every month, 6 months, or up to one year. Remember this is just a general description there are more types out there! The list of indexes these loans can follow is a long one. consolidation consolidation

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Negative Amortization Mortgages These are also called Pay-Option, Neg-Am loans, or even Alternative choice loans. If it has a creative name it could be a one of these. The basic idea behind this loan is a low initial rate. The rate could be much higher than the rate you will be paying. The left over interest that isn t getting paid gets added to the loan. consolidation debt loan review

Generally this loan will adjust every year until the rate catches up to where it should be. This gives you a payment cap, a maximum for the year that your minimum monthly payment will be. You will have fixed payments until the end of the year. They will go up like this every year until the current rate and the rate you are paying match. There are usually a few different payments that can be made on these types of loans. Included with your bill should be a 30 year fixed, and a 15 year fixed loan payment. With this loan it is possible to owe more than when you started. There are many different types of loans that could fall under this category. consolidation debt loan maine

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Interest Only Mortgages These loans can be the most devastating if they are not understood. They are also not for everyone out there. Mortgages are split into two different parts, principle and interest. Every loan has these two parts! (Unless a family member isn t charging you money to borrow from them.) In this type of loan you will only be paying one part, the interest. This is one of the cheapest loans on the market. If you are a good saver and have some good investments in mind, or ones that you are already using this is the loan for you!! The monthly payments are generally much lower than any other type of loan. bank consolidation debt loan

The catch to this loan is that you aren t paying on the principle. In other words you can t pay off the loan unless, you pay extra on the principle, or you are contributing extra to an investment and use the investment to pay down the principle. Make no mistake at the end of the loan 100% of the principle is due!! Not good when you haven t been preparing! Not a problem if you have. If you use the same amount of money that you would be spending on a 30 year fixed loan and apply the difference to the principle you can pay off your mortgage earlier than 30 years. You will not be using a cent extra to do this!! consolidation debt loan school

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What you need to get a Mortgage Loan Any time you are applying for a loan it s a good policy to get an idea of what you look like on paper. Get a free copy of your credit report from all three bureaus. You are allowed one report once a year for free. Check your report for any accounts that may not be yours and for any problems that could stop you from getting a loan. Collections, Bankruptcies, Judgments, late payments, and any other negative items could cause problems. cheap consolidation debt loan

With your credit report in hand and an understanding of what is on there you are ready for the next step. You need to figure out how much of a house you can afford. When buying a new home it s good to have some money in an account. Generally speaking you should have at least two months of the new house payment in the bank. It shows the Lender that you can make the first two payments of the mortgage. It s a security thing. After all, they are willing to loan you 100 thousand dollars or more. connecticut consolidation debt

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